Survey of Financial System

uQ,H moaO;s iólaIKh

Google Classroom
Nd;sh fyÜáwdrÉÑ

Institute of Bankers of Sri Lanka Google Classroom

 uQ,H moaO;s iólaIKh
mdvï wxl 02
• b;=reï tall iy ysÕ tall

• uQ,H w;rueÈlrKh

• uQ,H w;rueÈlrKfha we;s jeo.;alu

• uQ,H w;rueÈhd isÿlrk ld¾hhka

• uQ,H w;rueÈlrKfha jdis

Institute of Bankers of Sri Lanka Google Classroom

 b;=reï tAll iy ysÕ tAll
• wdodhug jvd úhou wvqùu fyda wdodhï ,eîu iy úhoï lsÍu w;r ld, mr;rhla
mej;Su ;=< w;sßla; uqo,a m%udKhla we;s tall b;=reï tAll f,i ye¢kaúh yel'

• b;=reï tAll j,g ;u w;sßla; uqo,a iqrCIs;j wdfhdackh fldg m%;s,dN ,nd.ekSfï
wjYH;djhla mj;S'

• wdodhug jvd úhou jeäùu fyda wdodhï ,eîu iy úhoï lsÍu w;r ld, mr;rh fya;=
fldgf.k wruqo,a ysÕhla we;s tall ysÕ tall f,i ye¢kaúh yel'

• ysÕ tall j,g mßfNdackh i|yd fyda wdfhdackh i|yd wruqo,a wjYH fõ'

• ysÕ tall j,g ;u wjYH;d bgqlr .ekSu i|yd hï úhoula orñka fyda wruqo,a
,nd.ekSug wjYH;djhla mj;S'’

Institute of Bankers of Sri Lanka Google Classroom

 b;=reï tAll iy ysÕ tAll

• ysÕ tall j,g wruqo,a ,enqKq úg Tjqyq tu wruqo,a wdfhdackh fldg kj jHdmdr
weröug fyda mj;sk jHdmdr ÈhqKq lsÍug lghq;= lrhs' tuÕska rfÜ ksIamdokh jeä
lsÍug lghq;= lrhs'

• tfiau we;eï ysÕ tall tu wruqo,a Ndú;d lrñka ;ukaf.a mßfNdack wjYH;d
bgqlr.kakd w;r" tuÕska Tjqkaf.a Ôjk ;;a;ajh by< kxjd .ekSug lghq;= lrhs'

Institute of Bankers of Sri Lanka Google Classroom

 wruqo,a iemhsh yels b;=reï tAllj,
wjYH;d

• ;ud úiska imhk uqo,g by<u m%;s,dNhla n,dfmdfrd;a;= fõ ^by< fmd<shla&'

• by< m%;s,dNhla ,nd.kakd w;ru wjodku wju lr.ekSug o W;aidy orhs'

• fï i|yd wvq ld,hlg Kh§u" tljr tla mqoa.,fhl=g wvq uqo,la muKla Khg §u"
Kh ,nd§fï§ by< jákdlula we;s iq/l=ula ,nd.ekSu" ;ukag blauKskau uqo,a
lr.; yels iq/l=ï j, wdfhdackh lsÍug fm<öu hkdÈh olakg ,efí'

• .kqfokq msßjeh wju lr.ekSug W;aidy orhs'

Institute of Bankers of Sri Lanka Google Classroom

 wruqo,a iemhsh yels b;=reï tAllj, wjYH;d

• ;ud úiska imhk uqo,g by<u m%;s,dNhla n,dfmdfrd;a;= fõ ^by< fmd<shla&'

• by< m%;s,dNhla ,nd.kakd w;ru wjodku wju lr.ekSug o W;aidy orhs'

• fï i|yd wvq ld,hlg Kh§u" tljr tla mqoa.,fhl=g wvq uqo,la muKla Khg §u"
Kh ,nd§fï§ by< jákdlula we;s iq/l=ula ,nd.ekSu" ;ukag blauKskau uqo,a
lr.; yels iq/l=ï j, wdfhdackh lsÍug fm<öu hkdÈh olakg ,efí'

• .kqfokq msßjeh wju lr.ekSug W;aidy orhs'

Institute of Bankers of Sri Lanka Google Classroom

 tlsfklg fkd.e,fmk wjYH;d

w;sßla; tall ysÕ tall

• m%;s,dN $ fmd,sh by<u fmd,sh wju fmd,sh

• m%udKh l=vd Kh uqo,a úYd, Kh uqo,a

• ld,h fláld,Sk Kh È.=ld,Sk Kh

• iq/l=ï by< iq/l=ï wvq fyda iq/l=ï rys; Kh

• msßjeh wju msßjeh wju msßjeh

Institute of Bankers of Sri Lanka Google Classroom

 uQ,H w;rueÈhdf.a wjYH;dj
• tlsfklg fkd.e,fmk wjYH;d we;s ysÕ tall iy b;=reï tall w;r wruqo,a
yqjudrej i|yd myiqlï ie,iSug fomd¾Yjfhau wjYH;d imqrd,sh yels ffjl,ams;
l%uhla uQ,H w;rueÈhka úiska ,ndfohs'

• b;=reï tall yd ysÕ tall tlsfkld uqK.eiSug we;s ÿIalr;djhka bj;a fldg
wruqo,a yqjudrej i|yd myiqlï ie,iSug w;rueÈfhl= wjYH fõ'

• b;=reï tall iy ysÕ tall tlsfkld flfrys we;s wúYajdih ksid Rcqj wruqo,a
yqjudre lr.ekSug ue<s jk úg wruqo,a yqjudrej i|yd myiqlï iemhSug
úYajdijka; w;rueÈhl= wjYH fõ'

• b;=reï tall iy ysÕ tall fomd¾Yjhgu wjYH úfYaI{ ±kqu ,ndfoñka wruqo,a
jvd M,odhS f,i iy wju wjodkula hgf;a Ndú;hg $ wdfhdackhg myiqlï
ie,iSu i|yd uQ,H w;rueÈhl= wjYH fõ'

Institute of Bankers of Sri Lanka Google Classroom

 uQ,H w;rueÈlrKh
• w;sßla; tallj, we;s wruqo,a ysÕ tall fj; .,dhdu i|yd w;sßla; tall iy
ysÕ tall w;r isáñka myiqlï ie,iSu uQ,H w;rueÈlrKh f,i ±laúh yel'

• fuys§ úúO l%u Wmfhda.S lr.ksñka w;sßla; tallj,ska uqo,a /iafldg tajd úúO
l%ufõohka Wmfhda.S lr.ksñka ysÕ tall fj; ,nd§ug uQ,H w;rueÈhd lghq;=
lrhs'‘

• wruqo,a /ialsÍu i|yd jehjk úhou ^f.jk fmd,sh& iy wruqo,a wjYH whg
,nd§u uÕska ,nk wdodhu ^,efnk fmd,sh& uQ,H w;rueÈhdf.a ,dNh fõ'

• uQ,H w;rueÈlrKh uÕska b;=reï wruqo,a jvd;a M,odhS yd ld¾hCIu f,i

fhdod.ekSu i|yd wjia:dj ie,fia'

Institute of Bankers of Sri Lanka Google Classroom

 nexl=
w;rueÈhd

wruqo,a wruqo,a

;ekam;= Kh

b;=reï tAll ysÕ tAll

Institute of Bankers of Sri Lanka Google Classroom

 rCIK iud.ï
w;rueÈhd

wruqo,a wruqo,a

jdßl wdfhdackh

b;=reï tAll ysÕ tAll

Institute of Bankers of Sri Lanka Google Classroom

 tall Ndr
w;rueÈhd

wruqo,a wruqo,a

tall wdfhdackh

b;=reï tAll ysÕ tAll

Institute of Bankers of Sri Lanka Google Classroom

 uQ,H w;rueÈlrKh
• uQ,H w;rueÈhl= úiska my; ld¾hhka isÿ lrhs'

 b;=reï talrdYS lsÍu ^aggregation of savings&

 wjodku tla;eka lsÍu ^pooling of risk&
 mßK; ld, mßj¾;kh ^maturity transformation&
 .kqfokq msßjeh wju lsÍu'

Institute of Bankers of Sri Lanka Google Classroom

 b;=reï talrdYS lsÍu
• uQ,H w;rueÈhka úiska b;=reï tall wruqo,a ,nd§ug leu;s ´kEu m%udKhla ,nd.ksñka
wruÿ,a /ialsÍug lghq;= lrhs' fï wkqj b;=reï tallhg ;ukag yels wruqo,a m%udKhla
uQ,H w;rueÈhdg ,ndÈh yel'

• úúO m%udKhkaf.ka" úYd, b;=reï tall m%udKhlska uqo,a /ialrk uQ,H w;rueÈhdg
úYd, wruqo,la ks¾udKh fõ'

• fuu úYd, wruqo, Ndú;d lsÍfuka tljr úYd, Kh§fï yelshdj uQ,H w;rueÈhdg we;s
fõ'

• fuuÕska jrlg l=vd m%udKhla muKla Kh§fï b;=reï tallj, wjYH;djh;a" tljr
úYd, Khla tl ;eklska ,nd.ekSfï ysÕ tallj, wjYH;djhla imqrd,Su isÿ lrhs'

Institute of Bankers of Sri Lanka Google Classroom

 mßK; ld, mßj¾;kh
• flá ld,hlg wruqo,a iemhSug w;sßla; tall j,g we;s wjYH;djh;a" §¾>ld,Sk Kh
,nd.ekSfï ysÕ tallj,g we;s wjYH;djh;a imqrd,Su i|yd fláld,Sk mßK;shla we;s
wruqo,a /iafldg §¾>ld,Sk mßK;shla we;s Kh ,nd§u isÿ lrhs'

• uQ,H w;rueÈhka fuh isÿ lrkafka wêl ixLHd kHdh Ndú;d lrñkah'

• wruqo,a ,ndÿka mqoa.,hka úYd, m%udKhla isák úg ta ish¨ fokd tlajr ;u wruqo,a
b,a,d isàfï iïNdú;djh b;d wvq nj fuys§ Wml,amkh lrhs'

Institute of Bankers of Sri Lanka Google Classroom

 mßK; ld, mßj¾;kh
• tfiau hï wruqo,a m%udKhla bj;a jqjo kj ;ekam;= È.ska È.g ,eîu" ,ndÿka Kh
j, jdßl kej; ,eîu" ;sfnk ;ekam;= w¨;a lrñka È.gu mj;ajdf.k hdu ;=<
iuia; n,mEu ;=,kh jk nj;a fuys§ Wml,amkh lrhs'

• ta wkqj mj;sk wruqof,ka hï m%udKhla ixÑ; f,i ;ndf.k b;=re fldgi È.=ld,Sk
Kh§u i|yd Ndú;d lsÍug w;rueÈhd lghq;= lrhs'

• fufia ;nd.; hq;= wruqo,a m%udKh miq.h

s o;a; úYaf,aIKh lsÍfuka iy mj;sk
wd¾Ól ;;a;aj úYaf,aIKh lsÍfukq;a" ;u w;a±lSï fhdod .ekSfukq;a w;rueÈhd
úiska ;SrKh lrkq ,nhs'

Institute of Bankers of Sri Lanka Google Classroom

 wjodku tla;eka lsÍu
• uQ,H w;rueÈfhl=f.ka f;drj Rcqj Kh ÿka úg Kh meyer yeÍfï iïmQ¾K
wjodku Kh fokakd úiska ±ßh hq;=fõ'

• Kh .ekqïlreg fok Kh uq,H w;rueÈfhl= yryd ,ndÿkafka kï tu Kh ms<sn|

wjodku uQ,H w;rueÈhdf.a ;ekam;alrejka ish¨fokd u; me;sÍ hkq we;'

• ta wkqj tla ;ekam;a lrefjl= iïmQ¾K mdvqj ±Ífï wjOdku bj;a jk w;r" tla
;ekam;a lrefjl=g ±Íug isÿjk mdvqj b;d iq¿ m%udKhla fõ'

Institute of Bankers of Sri Lanka Google Classroom

 wjodku iy uQ,H w;rueÈhdf.a N+ñldj
• uQ,H w;rueÈhka yg úúO j;alï j¾. yryd Kh§u úúOdx.SlrKh lsÍug yelshdj we;' iSñ;
wruqo,a m%udKhla we;s ;ks mqoa.,hl=g fuh isÿ lsÍfï yelshdj b;d wvqh'

• úúOdx.SlrKh l< úg tl j;alï j¾.hlska we;sjk mdvqj ;j;a j;alï j¾.hl ,dNfhka
mshjd .ekSug yelshdj ,efí' ta uÕska mdvqj wju lr.ekSug yelshdj ,efí'

• Kh §fï§ úfYaI{ ±kqu iy jD;a;h S w;a±lSï fhdod.ekSu uÕska idudkH mqoa.,fhl= Kh

fokjg jvd wvq wjodkula iys;j Kh§ug uQ,H w;rueÈhka yg yelshdj ,efí'

• Kh meyer yeÍu ;=< widudkH mdvqjla ,eîug isÿ jqjfyd;a ;ekam;alrejkag isÿjk ydksh wju
lsÍug uQ,H w;rueÈhdf.a ixÑ; fyda fldgia m%d.aOkh fhdod.; yel'

• uQ,H w;rueÈfhl= iuÕ lghq;= lsÍfï§ ,efnk wdrCIK jevms<sfj<j,a uÕska ydksh wju
lr.ekSug yelshdj ,efí ^;ekam;= rCIK l%uh&'
Institute of Bankers of Sri Lanka Google Classroom
 .kqfokq msßjeh wju lsÍu
• b;=reï tall iy ysÕ tall hk fomd¾Yjfhau fmdÿ wjYH;djhla jkafka .kqfokq
msßjeh wvq lr.ekSuhs'

• úYd, uQ,H wdh;k mßudkql+, msßueiqï fhdod.ksñka fuu wruqK bgqlr .ekSu i|yd
fomd¾Yjhgu Wmldr lrhs'

• mßmd,k msßueiqï" úfYaI{ ±kqu ,nd.ekSfï§ we;s jqK msßueiqï" uQ,H f;dr;=re
,nd.ekSfï§ we;s jk msßueiqï hkdÈh uÕska fomd¾Yjhgu .kqfokq msßjeh wvq
lsÍug uQ,H w;rueÈfhl= lghq;= lrhs'

Institute of Bankers of Sri Lanka Google Classroom

 wjidk Kh fokakd iy wjidk Kh .kakd
• w;rueÈhd Kh f,i ,ndfokafka fjk;a mqoa.,fhl=f.ka Khg .kakd wruqo,a fõ' ta wkqj
wjidk Kh fokakd jkafka uQ,H w;rueÈhdg wruqo,a iemhQ mqoa.,hd fõ' tkï" b;=reï tallh
fõ'

• WodyrKhla f,i nexl=jla Kh ÿka úg nexl=j w;rueÈhd f,i Kh fok w;r" nexl=j Kh
§ug Ndú;d l< wruqo,a iemhQ ;ekam;alrejd wjidk Kh fokakd fõ ^b;=reï tallh&'

• b;=reï tall j,ska w;rueÈhka wruqo,a ,nd.;a;o w;rueÈhd úiska tu wruqo,a wjidkfha§
ysÕ tall fj; Kh f,i ,ndfok w;r tu ysÕ tallh wjidk Kh .kakd f,i ye¢kaúh
yel'

• WodyrKhla f,i nexl=jla w;rueÈfhl= f,i ;ekam;a lrejkaf.ka ,nd.kakd uqo,a

wjidkfha§ Kh .ekqïlrejl=g ,nd§u isÿ jk w;r tu Kh .eKqïlrejd wjidk Kh
.kakdfõ ^ysÕ tallh&'

Institute of Bankers of Sri Lanka Google Classroom

 nexl=
w;rueÈhd

wruqo,a wruqo,a

;ekam;= Kh
uQ,H WmlrKh uQ,H WmlrKh

b;=reï tAll ysÕ tAll

wjidk Kh fokakd wjidk Kh .kakd

Institute of Bankers of Sri Lanka Google Classroom

 uQ,H w;rueÈlrKh uÕska wjidk Kh fokakdg we;s
jdis
• wjidk Kh .kakdg Rcqj Kh fokjdg jvd uQ,H w;rueÈhdg Kh §u ;=< jeä øjYS,;djhla
,nd.; yel' ^ WodyrKhla f,i mqoa.,fhl=g Rcqj Kh fokjdg jvd nexl=jl wruqo,a
;ekam;a l< úg wjYH wjia:djl tajd kej; ,nd.ekSu myiqfõ&'

• uQ,H w;rueÈhka yg Kh §fuka wjodku wju lr.; yel'

• úlsKsh yels iq/l=ïm;a ìyslr .ekSug yelshdj ,efí' w;rueÈhd úlsKsh yels iq/l=ïm;a
ksl=;a lrk úg" iq/l=ïm;a mßK; jk f;la fkdisg tajd oaú;Sl fj<|fmdf<a úl=Kd uqo,a
,nd.ekSug yelshdj ,efí'

• uQ,H w;rueÈhd uÕska iy;sl l< m%;s,dNhla ,nd.ekSug we;s yelshdj ^;ekam;= j,g l,ska
±lajQ iy;sl l< fmd,shla ,nd§u&'

• uQ,H w;rueÈhdg Kh §fï ;SrKh .ekSu idfmaCIj ir,h' wjidk Kh .kakka fjk fjku
we.hSu iy tla tla wjia:d fjk fjku we.hSug jvd uQ,H w;rueÈfhl=g Kh §u idfmaCIj
ir, ;SrKhls'

Institute of Bankers of Sri Lanka Google Classroom

 uQ,H w;rueÈlrKh uÕska wjidk Kh .kakdg we;s
jdis• wjidk Kh fokakd fyj;a b;=reï tallhlska Kh ,nd.kakjdg jvd §¾> ld,hlg uQ,H
w;rueÈhl= uÕska Kh ,nd.; yel' ^WodyrKhla f,i nexl=jla ksjdi Khla wjqreÿ oyhla
myf<djla jeks §¾> ld,hlg ,ndÿkako lsisÿ ;ks mqoa.,fhl= wjqreÿ 10l 15l Khla §ug
bÈßm;a ùu b;d úr,h&' §¾> ld,hlg Kh ,nd.ekSu ;=< wvq jdßlhla f.ùug wjia:dj
,nd.; yel'

• wjidk Kh fokakd fyj;a b;=reï tallhlska ,nd.; yels m%udKhg jvd úYd, m%udKfha Kh
uqo,la uQ,H w;rueÈhka yryd tljr ,nd.; yel'

• wjidk Kh fokakkaf.ka Kh ,nd.ekSug W;aidy orKjdg jvd uQ,H w;rueÈhkaf.ka Kh

,nd.ekSu jvd msßueiqïodhl iy blauka l%ufhls'

• wjidk Kh fokakdf.ka Rcqj Kh ,nd.ekSug W;aidy lrkjdg jvd wvq fmd,shlg uQ,H
w;rueÈhkaf.ka Kh ,nd.ekSug yelshdj we;'

• uQ,H w;rueÈfhl=f.ka Kh .;aúg wjYH;djh mßÈ tajd kej; w¨;a lr.ekSug yelshdjla
,efí'

Institute of Bankers of Sri Lanka Google Classroom

 uQ,H w;rueÈlrKh uÕska iuia; iudchg we;sjk jdis

• úfYaI{ ±kqu iy jD;a;h S w;a±lSï Ndú;d lrñka jvd fyd| we.hSulska hq;=j
Kh fok neúka Kh§ug Ndú;d lrk wruqo,a jvd ld¾hCIu yd M,odhS f,i
fhdod.ekSfï wjia:dj jeäh'

• uQ,H w;rueÈfhl=g Kh §fï wjOdku wvq ùu iy uQ,H w;rueÈhl=f.ka Kh

.ekSfï§ msßjeh wvqùu ksid Kh .ekqï iy Kh §u jeä jeäfhka isÿ ùu ^ta wkqj
myiqfjka b;=reï wruqo,a /ialsÍu iy wruqo,a wjYH ysÕ tall fj; wruqo,a
.,dhdug ie,eiaùug yelshdj ,eîu&'

• jeä wjodkula ±Ífï yelshdjla uQ,H w;rueÈhkag we;s neúka wjodku jeä
jHdmdr j,g mjd uQ,H w;rueÈhkaf.ka Kh ,nd.ekSug yelshdjla we;' fï ;=<
wjodku jeä jHdmdr mjd wd¾Ólhg w.h tl;= lsÍug tl;= lr.; yel'

Institute of Bankers of Sri Lanka Google Classroom

 uQ,H wdh;k iy uQ,H w;rueÈlrKh
• fndfyda uQ,H wdh;kj, m%Odk;u jHdmdr lghq;a;la jkafka uQ,H w;rueÈlrKfha
fh§uhs'

• WodyrK f,i n,m;%,dNS jdKsc nexl= b;=reï tallj,ska ;ekam;= f,i b;=reï
wruqo,a /iafldg ysÕ tall j, úúO wjYH;d i|yd Kh f,i wruqo,a ,nd§u isÿ
lrhs'

• tfiau rCIK wdh;k .;aúg jdßl f,i b;=reï tallhkaf.ka wruqo,a /iafldg ysÕ
tallhkaf.a wjYH;d i|yd wdfhdack f,i fyda Kh f,i wruqo,a ,nd§u isÿ lrhs'

• uQ,H wdh;k j,g id¾:lj uQ,H w;rueÈlrKh isÿ lsÍug we;s yelshdj wod< uQ,H
wdh;k fj; uyck;dj ;nd we;s úYajdih u; mokï fõ'

Institute of Bankers of Sri Lanka Google Classroom

 uQ,H w;rueÈlrK jHdmdrh
• Kh §ug fyda iq/l=ïm;a ñ,§ .ekSug fhojQ wruqo,a j,ska ,efnk fmd,S ,eîï
,dNdxY ,eîï iy m%d.aOk ,dN jeks m%;s,dN uQ,H w;rueÈfhl= ,nk wdodhï f,i
±laúh yel'

• wruqo,a ,nd.ekSu i|yd f.úh hq;= fmd,sh iy fjk;a uqo,a m%jdy" wdh;kh mj;ajd
.ekSug jehjk úhoï iy Kh meyer yeÍu ;=< we;sjk w,dN uQ,H w;rueÈfhl=g
±Íug isÿjk msßjeh f,i ye¢kaúh yel'

• ta wkqj uQ,H w;rueÈlrKfha ,dNh jeä lr.ekSug wdodhu jeä lr.kakd l%u iy
msßjeh wju lr.kakd l%u fj; fhduq úh hq;=h'

Institute of Bankers of Sri Lanka Google Classroom

 uQ,H w;rueÈlrKfha ,dNh j¾Okh lr.; yels l%u
• wruqo,a ,nd.ekSu i|yd f.jkakd jQ fmd,sh iy wruqo,a Kh f,i ,nd§fï§ wh lrk
fmd,sh w;r fjki fyj;a fmd,S wdka;slh jeä lr.ekSug W;aidy ±Íu' ;rÕldÍ
fj<|fmd<la ;=< fuh wNsfhda.d;aul lghq;a;la fõ'

• wdh;kh mj;ajd .ekSug hk fufyhqï úhoï wju lr.ekSug W;aidy ±Íu' fï i|yd
kj ;dCIKh fhdod.ksñka ld¾hCIu;djh by< kexúh hq;=h'

• Kh meyer yeÍfuka isÿfjk w,dN wju lr.ekSu i|yd úfYaI{ ±kqula we;s jD;a;h
S
ksmqK;ajhla we;s fiajlhka fhdodf.k Kh wjOdku ksis f,i we.hSï isÿ lr Kh
,nd§u'

• Kh jdßl ksis mßÈ wh lr.ekSu i|yd fyd| miq úmrï l%uhla iy ld¾hCIu Kh
whlr .ekSfï l%ufõohla l%shd;aul lsÍu'

Institute of Bankers of Sri Lanka Google Classroom

 bf.kqï l%shdldrlï
 rgl wd¾Ól j¾Okh i|yd uQ,H w;rueÈlrKh jeo.;a jkafka wehs @

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